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Realizing you need help with your debt is an important first step in the process of becoming debt-free.

But choosing the right option for achieving this goal is not a decision to be taken lightly. We can
help you determine which option is best for you by following some simple steps.

First, it is important to understand your options:

1. Going It Alone

Depending on how much debt you have, what your disposable income is, and how disciplined you are - you
may be able to get out of debt by tightening your budget, and increasing the amount of money you pay
to your creditors each month. This is generally not a practical solution for most people who find
themselves in debt, or they wouldn't be in debt in the first place. Because of high interest rates
and other fees, most people find that it takes much too long to pay off their debt on their own.
Making minimum monthly payments, it could take 20 years or more to pay off a typical credit card
balance.

2. Debt Management Plan (DMP)

We work with you to consolidate all of your unsecured debts into a single monthly payment. The goal
is to receive better repayment terms from most creditors, such as lower interest rates and waived late
fees, allowing you to pay off your debt faster than you could on your own, paying the minimum monthly
payments required by your creditors.

3. Debt Settlement Plan (DSP)

We negotiate with your creditors on your behalf to accept payment of a percentage of your unsecured
debt to satisfy your entire unsecured debt. You make a monthly payment to us, which is held in an
escrow account to build in value until your creditors agree to accept our settlement offers. This is
an attractive alternative to bankruptcy for those who want to pay back at least a portion of their
debt and cannot afford the DMP payment.

4. Bankruptcy

A complex legal process created by Congress to provide relief from financial distress when you can
no longer pay your debts. This is the most drastic choice, but if you feel that your debt and
financial situation are going to prevent you from making regular payments to your creditors, you
should consult an attorney to discuss whether bankruptcy is a viable option.

Next, CareOne will help you with valuable and free financial management tools if you decide to go
it alone, and we offer DMP, DSP, and bankruptcy services should you require expert assistance with
your debt.

When you call CareOne, or visit careonecredit.com, you
will go through a simple guided process to determine which option is best for your financial situation
based on:

Your total and eligible debts

Your income (total and disposable)

Your expenses

Your payments statuses

Your budget details

To ensure that we recommend the best debt relief option to fit your needs, you will have to provide
details about your income and expenses. We will also need accurate information about your debt, so
we'll need either your most recent creditor statements, or we can get a fairly accurate picture of
your debts by obtaining your credit file from a reporting agency at no cost to you.

You do not have to decide which program is best for you before contacting CareOne, we'll help you
decide that, but it is helpful to understand the benefits of each. We recommend that you review our
other informative guides to educate yourself on available debt relief options.

We take your success very seriously, and work hard to support and assist you as you gain financial independence.